§ 6-48-6 - Notice of rights.
SECTION 6-48-6
§ 6-48-6 Notice of rights. – At any time that a consumer is required to receive a summary of rights requiredunder section 609 of the federal Fair Credit Reporting Act, (15 U.S.C. §1681 et. seq.) the following notice shall be included:
Consumers have the right to obtain a security freeze
You may obtain a security freeze on your credit report toprotect your privacy and ensure that credit is not granted in your name withoutyour knowledge. You have a right to place a "security freeze" on your creditreport pursuant to the R.I.G.L. chapter 6-48 to the Identity Theft PreventionAct of 2006.
The security freeze will prohibit a consumer reporting agencyfrom releasing any information in your credit report without your expressauthorization or approval.
The security freeze is designed to prevent credit, loans, andservices from being approved in your name without your consent. When you placea security freeze on your credit report, within five (5) business days you willbe provided a personal identification number or password to use if you chooseto remove the freeze on your credit report or to temporarily authorize therelease of your credit report for a specific period of time after the freeze isin place. To provide that authorization, you must contact the consumerreporting agency and provide all of the following:
(1) The unique personal identification number or passwordprovided by the consumer reporting agency.
(2) Proper identification to verify your identity.
(3) The proper information regarding the period of time forwhich the report shall be available to users of the credit report.
A consumer reporting agency that receives a request from aconsumer to temporarily lift a freeze on a credit report shall comply with therequest no later than three (3) business days after receiving the request.
A security freeze does not apply to circumstances where youhave an existing account relationship and a copy of your report is requested byyour existing creditor or its agents or affiliates for certain types of anaccount review, collection, fraud control or similar activities.
If you are actively seeking a new credit, loan, utility,telephone, or insurance account, you should understand that the proceduresinvolved in lifting a security freeze may slow your own applications forcredit. You should plan ahead and lift a freeze – either completely if youare shopping around, or specifically for a certain creditor – with enoughadvance notice before you apply for new credit for the lifting to take effect.
You have a right to bring a civil action against someone whoviolates your rights under the credit reporting laws. The action can be broughtagainst a consumer reporting agency or a user of your credit report.
Unless you are sixty-five (65) years of age or older, or youare a victim of identity theft with an incident report or complaint from a lawenforcement agency, a consumer reporting agency has the right to charge you upto ten dollars ($10.00) to place a freeze on your credit report, up to tendollars ($10.00) to temporarily lift a freeze on your credit report, dependingon the circumstances, and up to ten dollars ($10.00) to remove a freeze fromyour credit report. If you are sixty-five (65) years of age or older or are avictim or [of] identity theft with a valid incident report orcomplaint, you may not be charged a fee by a consumer reporting agency forplacing, temporarily lifting, or removing a freeze.